Each person sooner or later has to turn to doctors, stand in numerous lines and spend a lot of time on exhausting organizational procedures. Moreover, in order to receive qualified medical care, one often has to lay out decent amounts of money. A voluntary medical insurance policy, the cost of which ranges from 4 thousand to 70 thousand rubles, helps to solve this problem. You can buy a similar form today in any UK. The price of insurance will depend on the list of services and the type of document.
Voluntary insurance entities
If we talk about the people involved in this transaction, then these are the applicants (citizens of the Russian Federation or foreigners), a licensed insurance company and the medical institution itself.
When calculating the cost of a voluntary medical insurance policy , not only the list of proposed medical services is taken into account, but also the person’s age, state of health and other objective factors.
Having received VHI, a citizen can:
- use the services of private medical institutions;
- make an appointment by phone or online;
- Do not stand in line (subject to service in state clinics);
- get advice from the best specialists of the highest category;
- qualify for more expensive diagnostic procedures;
- receive vouchers for treatment in sanatoriums and other privileges.
Of course, this is not a complete list of services provided free of charge to holders of a voluntary medical insurance policy (the cost and list of procedures will differ depending on the insurance company that the person chooses).
How to apply for VHI
To obtain such a policy, you can personally visit an insurance company. In this case, an employee of the company will offer the most profitable program, calculate the price of the service and draw up all the necessary documents. When applying for a voluntary medical insurance policy, an agreement is a prerequisite. Only after his conclusion, the applicant will be able to start using the form.
Another option to get VHI is to go to the SK official website. Thus, anyone can apply for a voluntary health insurance policy without leaving home. To do this, just register on the site and leave your contact information. Usually, employees call the customer back almost immediately.
How to choose an insurance company
Today in the Russian Federation there is a huge number of insurance companies offering similar services. However, it is not worth contacting the first company that comes across, since recently licenses have been taken away from such offices quite often. After this, citizens, it would seem, with existing voluntary medical insurance policies are left without money and free medical services.
It is best to use the services of well-known insurers that have existed in the market for a long time and have a large number of positive reviews. You can also contact a broker. He will not have to pay for the service, since usually insurance agents charge a commission only from the UK.
In order not to stumble on scammers, it is recommended to independently check the license of the selected company. To do this, you need to find a complete list of companies included in the official register of insurers.
Foreigners can also choose any of the UK. To apply for a policy, citizens of other countries must provide a passport, registration confirmation and contact details.
How to choose an insurance program
Today, there are 4 main types of VHI:
- Base. Such a policy allows document holders to consult with specialists, undergo diagnostic examinations and some types of therapy. Basic forms are also intended for traveling abroad. The cost of a basic type of voluntary medical insurance policy is the lowest (from 5-7 thousand rubles).
- Advanced. This type of policy includes all the services of the basic form. However, in addition to this, the holder of an expanded VHI can visit doctors at any time, make an appointment by phone and turn to more qualified specialists out of turn. The cost of the form is slightly more expensive (about 17 thousand rubles).
- Full. This policy is considered the most expensive (up to 70 thousand rubles). Such insurance allows you to undergo treatment in almost any medical center. There are even programs that allow you to contact foreign experts. At the same time, emergency examinations and expensive diagnostic procedures will be free.
- Combined. In this case, an individual program is drawn up taking into account all the subtleties.
Contract signing
Before paying for a voluntary health insurance policy, it is recommended that you carefully study all the documents.
If any clauses of the proposed contract confuse the client, do not be silent. It is necessary to clarify all the nuances and, if necessary, ask the employees of the insurance company to draw up a new contract.
Payment and receipt of the policy
As a rule, VHI is paid directly at the insurers office. To do this, you can use a bank transfer or pay for the services of the company in cash. In some insurance companies there is the possibility of obtaining installments, especially when it comes to full insurance.
Some time after payment (about 14 days), the client receives an original document in his hands, which immediately takes effect. After that, a person can start visiting medical institutions and receive all the necessary services according to a previously signed agreement.